Pet Insurance Reviews

Spot Pet Insurance Review 2024 (Official)

Pawlicy Advisor
Reviewed by Kari Steere, Licensed Insurance Producer
Updated May 07, 2024 | 14 min read
spot pet insurance logo


4,223 Consumer Reviews

Trustpilot, March 2024

accident icon


& Illness

Plans Offered

vaccine add-on icon

Routine Care



Pawlicy Advisor logo

Why You Can Trust Us

Unlike other platforms, Pawlicy Advisor provides objective, unbiased, data-driven advice . We also offer personalized plan recommendations based on breed-specific attributes and total cost predictions for the lifetime of your pet. See your recommended plan .


Average Price For Dogs

$29 / month

Average Price For Cats

$29 / month

Enrollment Fee


Coverage Options

Annual Deductible

$100, $250, $500, $750, or $1,000

Reimbursement Rate

70%, 80%, or 90%

Annual Coverage Limit

$2,500, $3,000, $4,000, $5,000, $7,000 or unlimited

Waiting Periods


14 days


14 days


0 days

Filing a Claim

File Claims 

online or mobile app

Claim Expiration 

270 days from date of treatment

Average Claim Reimbursement 

check: 15 days

direct deposit: 5-10 days

Enrollment Requirements

Minimum Age at Enrollment 

8 weeks old 

Medical Review 

if no records are available to submit at the time of enrollment, you must visit a vet within the first 30 days of the policy for a complete health check-up and submit a Health Checklist

Residency Requirement 

insured pets must reside with you at your primary address in the United States or Canada

Spot Pet Insurance offers excellent Accident & Illness coverage that goes beyond what many other providers offer by reimbursing you for things like holistic care, behavioral modification, and microchipping. Unlike some other options on the market, they have no upper age limit for enrollment, so senior pets can sign up at any time. And Spot Pet Insurance reviews often praise the company for its flexibility, with customizations that allow you to build the ideal policy for your preferences and price point.


  • Customizable deductible, reimbursement rate, and annual limit
  • Offers the option for unlimited coverage
  • No upper age limit for enrollment
  • 24/7 access to vet telehealth hotline
  • Covers behavioral modification
  • Covers the diagnosis and treatment of behavioral disorders


  • Cannot pay the vet directly
  • Requires submission of a Health Checklist


Spot is not only one of the best pet insurance companies on the scene but also one of the newest, founded in 2019 by Trey Ferro. According to Spot’s website, the company’s mission is “to create a more caring world by helping pet families get their pets the care they need to lead longer, happier lives together.”

Spot’s insurance policies are underwritten by Independence American Insurance Company as well as the United States Fire Insurance Company, a Crum & Forster Company. Crum & Forster has received an A-rating from AM Best and has experience in the industry since 2006.

What's Covered

  • Accidents and illnesses
  • Breed-specific conditions
  • Orthopedic conditions
  • Cancer
  • Diagnostic exam fees
  • Tooth extractions
  • Prescription medications & diets for covered conditions
  • Alternative therapies
  • Behavioral modification
  • Microchipping
  • Euthanasia & end-of-life care

What's Not Covered

  • Bilateral conditions
  • Breeding, nursing, and whelping costs
  • Vacation cancellation costs
  • Boarding fees due to owner hospitalization
  • Cosmetic procedures
  • DNA testing or cloning
  • Routine care (unless added to policy)
  • Pre-existing conditions

Routine Care Add-On

Spot Pet Insurance also offers optional wellness plans that cover the cost of routine vet care, such as:

  • Spay/neuter surgery
  • Dental cleanings (if necessary to treat a covered condition)
  • Annual checkups
  • Heartworm, flea, and tick preventatives
  • Vitamins and supplements
  • Fecal exams

Spot wellness plans are offered in two tiers:

  • Platinum Preventative Care (+$25/mo) - $450 in annual benefits
  • Gold Preventative Care (+$10/mo) - $250 in annual benefits

 Pawlicy Advisor Tip: We recommend adding routine care for pets under age two due to the high number of wellness visits at this age. Older pets may not save money with a routine care add-on. Learn more: Are Wellness Plans Worth It ?

Waiting Periods

When you sign up for pet insurance, there is a mandatory waiting period before your coverage becomes effective and you become eligible to- claim reimbursement. These waiting periods vary by insurance provider.

The timeframe for Spot Pet Insurance waiting periods depends on the type of incident you need coverage for:

  • Accidents: 14 days
  • Illnesses: 14 days
  • Wellness: 0 days
  • Orthopedic conditions (including hip dysplasia, luxating patella, and intervertebral disc disease): 14 days
  • Cruciate ligament injuries: 14 days

*In Maine, there is no waiting period for accidents and injuries, and a 15-day waiting period for illnesses, as of January 1, 2023.

See how much pet insurance costs for your pet

How it Works

Spot works by reimbursing 70 to 90% of your vet bills when a pet gets unexpectedly sick or injured. Once your deductible is met, Spot will pay your insurance claim at the policy's pre-set reimbursement rate (selected at the time of enrollment) up to the annual coverage limit.

medical cross icon

1. Visit any licensed vet, specialist, or emergency hospital you'd like with no network restrictions.

bill icon

2. Pay for the veterinary services provided during your visit upfront at the time of your appointment.

cell phone icon

3. File a Spot Pet Insurance claim through the app or website and upload the requested documents.

piggy bank icon

4. Get reimbursed for a percentage of eligible veterinary expenses based on your selected coverage.

How to File a Spot Pet Insurance Claim

  • Window to File: within 270 days from the date of treatment
  • Filing Requirements: itemized invoice, medical records (optional)
  • Average Claim Reimbursement: most checks are sent within 15 days, and most direct deposits are sent within 5-10 days
  • Reimbursement Methods: check or direct deposit

Spot Pet Insurance Cost

The cost of Spot Pet Insurance starts at $29 per month, but your location, pet type, pet age, and breed will impact the price of the plan. Getting a quote is the only way to know how much the premium rate would be for your four-legged friend.

labrador retriever icon

Average Price for dogs:

$29 / mo

gray cat icon

Average Price for cats:

$29 / mo

Sample Prices

Spot insurance price estimates are based on a sample policy featuring a $500 deductible, a 90% reimbursement rate, and a $10,000 annual coverage limit generated for pets living in Dallas, Texas.

Breed of Pet

6 Months Old

3 Years Old

10 Years Old

French Bulldog




Labrador Retriever




Domestic Shorthair Cat




 Pawlicy Advisor Tip: All pet insurance policies are subject to price increases annually. Pawlicy Advisor crunches the numbers to calculate the lifetime price of a policy, then makes recommendations that will save you money over your pet's lifetime.

Discounts & Ways to Save

  • Get a multi-pet discount at 10% off your premium rate for each additional pet insured

Customer Service

Spot has an Excellent score on Trustpilot and boasts a near-perfect rating of 4.7/5 stars from over a thousand online reviews.

Monday - Friday: 8:00 AM to 8:00 PM EST

Saturday: 9:00 AM to 5:00 PM EST

 Phone: 1-800-905-1595


Enrollment Requirements

  • Minimum age at enrollment: 8 weeks
  • Medical Review: Spot requires a medical history review at enrollment. If no record are available, you must visit the vet within the first 30 days of the policy for a complete exam and submit a Health Checklist.
  • Valid United States address: Your pet must reside with you at the primary address you provide to the insurance provider

Money-Back Guarantee

If you want to cancel Spot Pet Insurance within the first 30 days of your policy's first effective date, the company will refund the premium you paid if no covered expenses have been applied to your deductible or reimbursed. If you submitted a claim during this time period, they will refund any premium in accordance with their cancellation policy outlined below.

Cancellation Policy

You can cancel Spot Pet Insurance at any time by phone or mail and receive a refund for any premium paid beyond your last date of coverage.

Here is how Spot explains their cancellation policy:

When You Cancel

You must contact us via email, telephone or in writing to advise us of the future date when this policy is to cancel. You can send written notification by email, fax or by mail. We will refund any premium that you have already paid for any period after your last date of coverage.

When We Cancel

If you fail to pay your premium, we may cancel your coverage at any time. A notice will be sent to you providing at least 10 days’ notice of our intent to cancel or such other time as required by the state of your primary address. 

We may also cancel your coverage by giving you at least 30 days notice for any of the following reasons:

  • You commit fraud or material misrepresentation when you obtain insurance or pursue a claim. 
  • You perform a willful or reckless act or omission that substantially increases the probability or severity of a covered loss.
  • There is a material change that substantially increases the probability or severity of a covered loss. 
  • Our continuing coverage risks placing us in violation of state insurance laws. 
  • There is a material change that results in our inability to continue to provide coverage, such as you moving into a state where the policy is not available. PET-P-20000-OH-0723 ACCIDENT &ILLNESS POLICY

If you misrepresented or concealed any material fact that would have affected our decision to provide coverage, we may cancel, invalidate or rescind your coverage. If so, a notice will be sent advising you of our decision. Coverage is canceled, invalidated or rescinded as of the effective date that we specify. This may include rescission backdated to the original policy period effective date.

pawlicy advisor logo

Expert Insights

Is Spot Pet Insurance good?

"Spot Pet Insurance offers a lot of value for pet owners looking for comprehensive coverage for their furry friends. Spot policies cover a wide range of accidents and illnesses, including alternative therapies and holistic care. It also boasts a great wellness plan that gives you the freedom to spend your benefit however you choose. 

Plans with unlimited annual payouts and high reimbursement rates can get expensive. The 14-day waiting period for accident coverage is also a downside to keep in mind while shopping. 

That said, Spot is a solid option for most pet owners, especially those with older pets or those seeking alternative treatments.

If you still aren’t sure if pet insurance is worth it, or if you can’t decide if Spot Pet Insurance is the best choice for you, Pawlicy Advisor makes it easy to compare plans and find the best value. Check out our pet insurance comparison charts or read through additional pet insurance reviews to learn more.

You can also receive a custom quote for the best available plans, at the lowest possible price, with one search at Pawlicy Advisor."

Kari Steere
Kari Steere Pawlicy Advisor Licensed Insurance Agent #19443293

Spot Pet Insurance Reviews


4,223 Consumer Reviews

Best Pet Insurance for the Money 

We reviewed several pet insurance companies before choosing Spot. They gave us great coverage for both emergencies and office visits. The claim form is easy to fill out and submit. Reimbursement comes quickly and we have it direct deposited. I’ve not had to use customer support so I can’t comment. on that but having had it for 2 dogs for over a year - we are thrilled with our choice.

Silina Nina
March 15, 2024

Overall Great Experience

Overall good experience. Easy to use the app and process is streamlined. Only issue is that some claims will say action is required even after submitting required documents. That being said once the claim is processed the reimbursement comes quickly and there were no hiccups there.”

Aneel Kabir
March 15, 2024

Is Spot Pet Insurance right for you?

Compare plans and pricing from the top providers

pets best insurance logo


aspca pet insurance logo


embrace pet insurance logo


Make sure your pet gets the best care possible

More From Pawlicy Advisor

 We are the pet insurance experts. The Pawlicy Advisor team analyzes the top pet insurance companies and the fine print in their policy details to provide you with an objective breakdown of the insurance provider, the plans they offer, and how they compare.

Kari Steere photo

Kari Steere is a licensed P&C insurance agent in all 50 states and has focused entirely on pet insurance since 2019. When she's not helping pet owners find the perfect plan on Pawlicy Advisor , she runs a ranch in Oregon and rehabilitates any animals that come across her path.

ASPCA abbreviated icon


ASPCA Pet Insurance Review 2023

Figo abbreviated icon


Figo Pet Insurance Review 2023

Metlife abbreviated icon


MetLife Pet Insurance Review 2023

Pawlicy Advisor Logo
The Pet Insurance Marketplace
The North American Pet Health Insurance Association (NAPHIA) logo
American Animal Hospital Association (AAHA) logo
How Pet Insurance Works
For Veterinary Practices
Arrow Right
Facebook's LogoInstagram's LogoLinkedIn's Logo

2 Overhill Rd Ste 400 Scarsdale, NY 10583
(866) 729-5429 |
© 2024 Pawlicy Advisor Inc, All Rights Reserved
Pawlicy Advisor conducts business as Pawlicy Insurance Services Inc. in the state of California.